Allen Homes for Sale
This is the buyer side of Allen: what a home costs to own here, where buyers start, what to check before you offer, and how the purchase works in Texas. For location, lifestyle and pros and cons, see the Allen home values guide.
The Allen listings that fit you, sent to you
Tell us the price range, bedrooms and must haves. We send you the current Allen listings that fit, then the new ones as they come on, and we tour and negotiate with you. Your buyer agreement sets our fee up front; sellers often agree to pay some or all of it, and we negotiate for that in your offer.
What an Allen home costs to own
Zillow reported the typical home value at about $488,000, down 5.1 percent from a year earlier as of September 2026. Here is what a home at that price costs each month at the Freddie Mac Primary Mortgage Market Survey 30 year fixed average of 7.40 percent, as of October 15, 2026, with property tax at the 2026 City of Allen, Allen ISD, Collin County and Collin College rates, about $1.75 per $100 before any MUD or PID (Collin County Tax Office).
| Down payment | Cash down | Principal and interest | Property tax | Monthly before insurance |
|---|---|---|---|---|
| 10 percent down | $48,800 | $3,041 | $712 | $3,753 |
| 20 percent down | $97,600 | $2,703 | $712 | $3,415 |
Estimates, not a loan quote. Add homeowners insurance, any HOA dues, and mortgage insurance with less than 20 percent down. Your rate depends on your credit, loan type and points. The $140,000 homestead exemption lowers the school portion of the tax once the home is yours and you file. Run How Much Can You Afford with your own numbers.
Where buyers start in Allen
1980s and 1990s neighborhoods in the center and south, 2000s and newer master planned communities in the west near Watters Creek and Twin Creeks, and larger lots and custom homes on the east side toward Lucas. Each pocket draws a different buyer and a different budget, so pick the pocket before you pick the house.
- Twin Creeks and the 75013 west side: the newer and larger houses at the top of the market.
- Central and east Allen in 75002: the established neighborhoods and the value.
- The Lovejoy ISD edge: larger lots and the premium school district.
Allen ISD has one high school, and many buyers tell us that is a big part of why they look at Allen. Within the city, the west side is newer and more expensive and the center is the value. Lovejoy ISD streets carry their own premium.
What to check before you offer in Allen
- Newer homes. Hire your own inspector even on new construction, and ask the title company whether the lot sits in a MUD or PID. Those districts add a separate tax line that can change the monthly payment more than a few thousand dollars of price.
- Water nearby. Check the flood zone and the flood insurance quote before you write the offer. The Home Check pulls the FEMA zone for any address.
- Every house. Run the Home Check for the flood zone and any MUD or water district, use the total rate on the county tax bill for the monthly cost, and confirm the school zone on the exact address with the district.
Allen schools
Allen ISD serves most of the city and has one high school, Allen High School, with ninth graders at its Lowery Freshman Center campus. Parts of the city fall into Lovejoy ISD near Lucas, which is a separate premium, and into McKinney ISD and Plano ISD.
How buying an Allen home works in Texas
- Get preapproved. A lender letter with your real payment, not just the loan amount, so you shop at the right price.
- Sign a buyer agreement and tour. We send the listings that fit and tour with you. The agreement sets out what we do and how we are paid.
- Write the offer on the Texas contract. It names the price, the earnest money held by the title company, and an option fee that buys you a set number of days to inspect and walk away for any reason.
- Inspect during the option period. General inspection plus anything the house calls for from the list above. Negotiate repairs or a credit before the option period ends.
- Appraisal, survey and title. The lender orders the appraisal, the title company issues the title commitment, and you review the survey.
- Close and file your homestead. Once it is your home, file the free homestead application with the Collin Central Appraisal District. It cuts the school taxable value by $140,000, and starting the year after you qualify, it limits increases in the appraised value of the home to 10 percent a year. Tax rates can still change.
Before you tour, run the Home Check on any address for the flood zone and any MUD or water district, and read the Collin County property tax page so the first bill is not a surprise.
Want the current Allen listings?
Text us the price range and bedrooms. We send the listings that fit, and the new ones as they come on.
Questions buyers ask about Allen
How much do I need to buy a home in Allen?
At the typical home value of about $488,000, 10 percent down is $48,800 and 20 percent down is $97,600, plus closing costs. First time buyers may qualify for down payment help, which our down payment assistance page covers.
What are property taxes on an Allen home?
Property tax runs at the 2026 City of Allen, Allen ISD, Collin County and Collin College rates, about $1.75 per $100 before any MUD or PID (Collin County Tax Office). At $488,000, that is about $712 a month before the homestead exemption. The Collin Central Appraisal District sets the value each year.
What school district is Allen in?
Allen ISD serves most of the city and has one high school, Allen High School, with ninth graders at its Lowery Freshman Center campus.
How do I see Allen homes for sale?
Text (214) 600-3392 with your price range and must haves. We send the Allen listings that fit, set up the tours, and represent you on the offer. Texas law requires a written agreement with a buyer before an agent shows a home or presents an offer, so we sign one with you before the first tour. It states our fee, which is not set by law and is fully negotiable, and a seller may agree to pay some or all of it.